How to Xi'an car loans can smoothly through the bank car loan audit?
Created:
/Author:
Aaron Lewis
How can smoothly through the bank car loan audit? General bank will conduct a review of personal credit records in the process of car loans, personal credit records, and whether the repayment capacity can reach the requirements of banks? Banks need to consider personal qualifications where.
In general, the borrower loan purchase a car Shoufu ratio should reach the car three into above.However, the provisions of different banks may have slightly different.CITIC Bank Shoufu ratio can reach two as can be, but the premise is the first payment shall not be less than 40000 yuan.That is to say, the borrower purchased the vehicle if not up to 200000 yuan, Shoufu ratio will increase.
According to China bank regulations, purchase a car Shoufu ratio can reach three as you can, no other requirements.Thus, the borrower if only consider the first payment, then buy low-end price model of the user, can consider to apply for loans to banks, Chinese conversely, can consider cooperation with CITIC bank.In fact, there are many such examples, here we inconvenience one one examples, but if you have any questions, can be in harmony 360 loans quiz platform message consulting.
In addition, banks need to review the individual's credit status in the process of car loan business, the borrower either blank credit records or less are overdue, under normal circumstances, will not affect the credit.But if two years is 3 times, for a total of 6 times, or single overdue more than 90 days, then it is likely to face a loan rejection situation.
Specifically, you also need to look at the banks of the policies and regulations, according to China bank staff said, if the cumulative number of borrower overdue just above provisions, such as 7, 8, have good credit will also receive loans may.
In general, the monthly income how many are suitable for a car loan? In fact, car loans in addition to the need to consider Shoufu and interest, also need to be calculated for the month and the costs of keeping a car.If your monthly income is the total repayment of more than 2 times, can generally be approval of success, but if income assessment is not standard, it may affect the approval rate or a direct result of approval is not successful.
For example, Mr. Wang, the monthly mortgage repayment amount is 5000 yuan, car loan is 2000 yuan, so Mr. Wang monthly wages shall be in 14000 yuan of above can receive loans may.Of course, Mr. Wang if not up to the required standard, also can consider the corresponding lower payments, the extension of the loan period or increase Shoufu ratio.
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